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SMB Card

Give customers a card that buys them time on every purchase.

Launch with Fundbox
A Fundbox card dashboard showing a card balance, available credit and recent spend, beside a customer tapping a phone to pay at a card terminal.

A card your businesses can use anywhere, with payment terms for purchases and no revolving balance to manage.

How it works

SMB card

  1. Approved once, used repeatedly

    Businesses are approved for a limit and receive a card they can use with their vendors and retailers.

  2. Purchases get their own terms

    Transactions over a set period form one installment, rather than rolling into a single statement balance.

  3. The limit replenishes

    Available credit is restored as invoices are paid.

  4. No penalty for paying early

    Businesses can settle a purchase ahead of its due date at no extra cost.

Fundbox is global

Talk to our team about bringing embedded capital to your platform.

Fundbox is available in the United States, Canada, the United Kingdom and Australia.

Contact us

Frequently Asked Questions

Have questions about terms, compliance, or developer infrastructure integrations? We are here to support.

How does the Fundbox Small Business Card work?

Businesses are approved for a credit limit based on how the business is performing, then receive a card tied to it. Terms are shown up front, and available credit is restored as balances are paid down. Cards are issued by Lithic, with Mastercard as the BIN sponsor.

How are credit limits set?

From business performance, including sales patterns, revenue consistency, cash flow. Fundbox has been layering underwriting data sources since 2014, and the card runs on the same model that powers every other Fundbox product.

Can businesses pay early?

Yes, at any time, with no early repayment fee.

What type of integration options does Fundbox offer?

Fundbox offers flexible integration options from quick setups to fully embedded solutions using APIs, SDKs, and other developer-friendly tools.

Ready to get started?

Unlock growth with built-in capital

Launch with Fundbox